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I was therefore surprised when the friend proceeded to live a normal university life of partying and eating out, even during the delayed repayment process.Everything worked out fine in the end, since this was an honorable friend, but I still learned something about society’s differing opinions about debt. We don’t talk about cutting up our credit cards, or clipping coupons to save .00 on the newest Swiffer mop, or making a budget that forces us to save 10% of our income while we devote the rest to “guilt-free spending”.

Under chapter 7, a Debtor may be required to surrender assets to a trustee. In the Tampa area, they can be contacted in Hillsborough County at (813) 232-1343 or (813) 752-1335, or in Pinellas County at (727) 821-0726 or (727) 443-0657; in Orlando at (407) 841-8310; and in Jacksonville at 904-356-8371.

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This unique history and perspective allows me to see some things that are not immediately obvious to people who have been raised in the current consumer/debt society.

And for all the Beginner Mustachians in attendance today, I would like to share one of these observations: Let’s illustrate what I mean with a few examples: One time, I lent money to a friend so he could pay his university tuition.

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